Where to send your Macy's credit card payment
You can pay your Macy's credit card bill online through your account, by phone, by mail, or in person at a Macy's store. The fastest and most common method is online through the Macy's credit card website or mobile app — payments typically post within one business day. If you prefer to call, the customer service number is on the back of your card. For mail payments, send your check to the address listed on your monthly statement.
In-store payments are also an option at any Macy's location, though this method is slower than online or phone payment and may take several business days to post to your account. Whichever method you choose, make sure you have your account number and the payment amount ready.
Key Takeaways
- Online payment through the Macy's website or app is the fastest method and usually posts within one business day.
- Your monthly statement shows the mailing address for checks and the phone number for phone payments.
- Set up automatic payments to avoid late fees and keep your account in good standing.
- The minimum payment is listed on your statement, but paying the full balance avoids interest charges.
Paying online or through the mobile app
Log into your Macy's credit card account on the official Macy's website or open the Macy's mobile app. Navigate to the payments section, enter the amount you want to pay, and select your payment date. You can pay immediately or schedule a payment for a future date. Online payments are free and do not carry any additional fees.
When you pay online, you will see a confirmation number. Save or screenshot this number for your records. The payment will post to your account within one business day, though it may take longer if you schedule it for a weekend or holiday.
Paying by phone
Call the number on the back of your Macy's credit card to speak with a representative. Have your account number and the amount you want to pay ready. The representative will walk you through the payment process and confirm the transaction with you. Phone payments are also free and typically post within one business day.
If you call outside of business hours, you may be able to use an automated system to make a payment. The system will guide you through entering your account number and payment amount using your phone keypad.
Paying by mail
Write a check or money order for the amount you owe and mail it to the address shown on your monthly statement. Include your account number on the check. Mail payments take longer to post — typically five to seven business days from the time the payment center receives it, plus mail delivery time. This means you should mail your payment at least 10 days before your due date to avoid a late fee.
Keep a copy of your check or a photo of it for your records. Do not send cash through the mail.
Setting up automatic payments
Automatic payments remove the risk of forgetting to pay and help you avoid late fees. Log into your Macy's credit card account online and look for the automatic payment or autopay option. You can set up autopay to pay your full balance, your minimum payment, or a fixed amount each month on a date you choose.
You can change or cancel automatic payments at any time through your online account. If you set up autopay for your full balance, you will not be charged interest on purchases, since the balance will be paid in full each month.
Understanding your payment due date and late fees
Your payment due date is listed on your monthly statement. Payments received after 5 p.m. Eastern Time on the due date are considered late. A late payment fee applies if you miss the due date, and your interest rate may increase if you are more than 60 days late.
If you cannot pay the full balance, pay at least the minimum payment shown on your statement to avoid a late fee. The minimum payment covers interest and a small portion of your principal balance, but paying only the minimum means you will pay interest on the remaining balance.
What to do if you have trouble making a payment
If you are having difficulty paying your bill, contact Macy's customer service as soon as possible. Explain your situation to a representative. Depending on your account history and circumstances, they may be able to discuss options with you, though they cannot waive fees or interest that have already been charged.
Do not ignore a missed payment. The longer you wait, the more fees and interest will accumulate, and the damage to your credit score will be greater. Contacting the card issuer early gives you the best chance of working out a solution.
Frequently Asked Questions
Is there a fee to pay my Macy's credit card bill?
No. Macy's does not charge a fee for any payment method — online, phone, mail, or in-store. However, if you use a third-party payment service or wire transfer, that service may charge its own fee.
How long does it take for a payment to post?
Online and phone payments typically post within one business day. Mail payments take five to seven business days after the payment center receives them, plus mail delivery time. Payments made on weekends or holidays may take longer to post.
Can I pay my Macy's credit card bill at a store?
Yes, you can make a payment at any Macy's store, but this method is slower than online or phone payment. Store payments may take several business days to post to your account, so plan ahead to avoid a late fee.
What happens if I pay late?
A late fee will be charged if your payment is received after 5 p.m. Eastern Time on your due date. If you are 60 days or more late, your interest rate may increase. Late payments also damage your credit score and remain on your credit report for seven years.
Can I set up a payment plan if I cannot pay my full balance?
Macy's does not offer formal payment plans, but you can pay any amount above your minimum payment. If you are struggling with your balance, contact customer service to discuss your options. Paying at least the minimum on time is the most important step to protect your credit.